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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.59
SYBTP's Cash to Debt is ranked higher than
78% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. SYBTP: 1.59 )
SYBTP' s 10-Year Cash to Debt Range
Min: 0.17   Max: 14.56
Current: 1.59

0.17
14.56
Equity to Asset 0.10
SYBTP's Equity to Asset is ranked higher than
74% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SYBTP: 0.10 )
SYBTP' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.1

0.07
0.1
Interest Coverage 4.19
SYBTP's Interest Coverage is ranked higher than
88% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SYBTP: 4.19 )
SYBTP' s 10-Year Interest Coverage Range
Min: 0.56   Max: 4.19
Current: 4.19

0.56
4.19
F-Score: 5
Z-Score: 0.35
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 35.86
SYBTP's Operating margin (%) is ranked higher than
83% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. SYBTP: 35.86 )
SYBTP' s 10-Year Operating margin (%) Range
Min: 26.2   Max: 41.39
Current: 35.86

26.2
41.39
Net-margin (%) 25.23
SYBTP's Net-margin (%) is ranked higher than
81% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. SYBTP: 25.23 )
SYBTP' s 10-Year Net-margin (%) Range
Min: 18.38   Max: 28.63
Current: 25.23

18.38
28.63
ROE (%) 12.40
SYBTP's ROE (%) is ranked higher than
91% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SYBTP: 12.40 )
SYBTP' s 10-Year ROE (%) Range
Min: 10.62   Max: 19.28
Current: 12.4

10.62
19.28
ROA (%) 1.25
SYBTP's ROA (%) is ranked higher than
91% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SYBTP: 1.25 )
SYBTP' s 10-Year ROA (%) Range
Min: 0.91   Max: 1.63
Current: 1.25

0.91
1.63
ROC (Joel Greenblatt) (%) 109.41
SYBTP's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. SYBTP: 109.41 )
SYBTP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 67.63   Max: 136.4
Current: 109.41

67.63
136.4
Revenue Growth (%) 3.50
SYBTP's Revenue Growth (%) is ranked higher than
82% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. SYBTP: 3.50 )
SYBTP' s 10-Year Revenue Growth (%) Range
Min: 3.5   Max: 21.5
Current: 3.5

3.5
21.5
EBITDA Growth (%) 8.10
SYBTP's EBITDA Growth (%) is ranked higher than
75% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SYBTP: 8.10 )
SYBTP' s 10-Year EBITDA Growth (%) Range
Min: -9.7   Max: 26.4
Current: 8.1

-9.7
26.4
EPS Growth (%) 4.20
SYBTP's EPS Growth (%) is ranked higher than
69% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SYBTP: 4.20 )
SYBTP' s 10-Year EPS Growth (%) Range
Min: -8.4   Max: 26
Current: 4.2

-8.4
26
» SYBTP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with SYBTP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Preferred stocks of Stock Yards Bancorp Inc

SymbolPriceYieldDescription
SYBTP10.007.50S.Y. Bancorp, Inc.,10.00% Cumulative Trust Preferred Securities

Ratios

vs
industry
vs
history
P/E(ttm) 14.50
SYBTP's P/E(ttm) is ranked higher than
71% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. SYBTP: 14.50 )
SYBTP' s 10-Year P/E(ttm) Range
Min: 10.92   Max: 20.49
Current: 14.5

10.92
20.49
P/B 1.81
SYBTP's P/B is ranked higher than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SYBTP: 1.81 )
SYBTP' s 10-Year P/B Range
Min: 1.39   Max: 3.31
Current: 1.81

1.39
3.31
P/S 3.68
SYBTP's P/S is ranked higher than
63% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. SYBTP: 3.68 )
SYBTP' s 10-Year P/S Range
Min: 2.46   Max: 10.78
Current: 3.68

2.46
10.78
PFCF 9.17
SYBTP's PFCF is ranked higher than
70% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. SYBTP: 9.17 )
SYBTP' s 10-Year PFCF Range
Min: 6.62   Max: 55.87
Current: 9.17

6.62
55.87
EV-to-EBIT 10.04
SYBTP's EV-to-EBIT is ranked higher than
87% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. SYBTP: 10.04 )
SYBTP' s 10-Year EV-to-EBIT Range
Min: 9.2   Max: 26.9
Current: 10.04

9.2
26.9
PEG 1.13
SYBTP's PEG is ranked higher than
88% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SYBTP: 1.13 )
SYBTP' s 10-Year PEG Range
Min: 0.95   Max: 440.33
Current: 1.13

0.95
440.33
Shiller P/E 16.73
SYBTP's Shiller P/E is ranked higher than
75% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. SYBTP: 16.73 )
SYBTP' s 10-Year Shiller P/E Range
Min: 11.17   Max: 23.67
Current: 16.73

11.17
23.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.50
SYBTP's Dividend Yield is ranked higher than
62% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. SYBTP: 7.50 )
SYBTP' s 10-Year Dividend Yield Range
Min: 1.14   Max: 3.91
Current: 7.5

1.14
3.91
Dividend growth (3y) 5.50
SYBTP's Dividend growth (3y) is ranked higher than
78% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SYBTP: 5.50 )
SYBTP' s 10-Year Dividend growth (3y) Range
Min: 1.9   Max: 31.5
Current: 5.5

1.9
31.5
Yield on cost (5-Year) 9.44
SYBTP's Yield on cost (5-Year) is ranked higher than
63% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SYBTP: 9.44 )
SYBTP' s 10-Year Yield on cost (5-Year) Range
Min: 1.43   Max: 4.92
Current: 9.44

1.43
4.92
Share Buyback Rate -1.40
SYBTP's Share Buyback Rate is ranked higher than
75% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SYBTP: -1.40 )
SYBTP' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -1.4
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
SYBTP's Price/Tangible Book is ranked higher than
65% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. SYBTP: 1.80 )
SYBTP' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 4.2
Current: 1.8

1.4
4.2
Price/DCF (Projected) 0.85
SYBTP's Price/DCF (Projected) is ranked higher than
60% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SYBTP: 0.85 )
SYBTP' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 1.58
Current: 0.85

0.65
1.58
Price/Median PS Value 0.96
SYBTP's Price/Median PS Value is ranked higher than
88% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SYBTP: 0.96 )
SYBTP' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 2.6
Current: 0.96

0.65
2.6
Price/Peter Lynch Fair Value 1.20
SYBTP's Price/Peter Lynch Fair Value is ranked higher than
90% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SYBTP: 1.20 )
SYBTP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 3.45
Current: 1.2

0.48
3.45
Price/Graham Number 1.08
SYBTP's Price/Graham Number is ranked higher than
62% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. SYBTP: 1.08 )
SYBTP' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.12
Current: 1.08

0.83
2.12
Earnings Yield (Greenblatt) 10.00
SYBTP's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SYBTP: 10.00 )
SYBTP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 10.9
Current: 10

3.7
10.9
Forward Rate of Return (Yacktman) 17.27
SYBTP's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. SYBTP: 17.27 )
SYBTP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.2   Max: 21.2
Current: 17.27

6.2
21.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
S. Y. Bancorp, Inc., was incorporated in 1988 and is a Kentucky corporation headquartered in Louisville, Kentucky. Bancorp is a bank holding company registered with, and subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System. Bancorp has two subsidiaries, Stock Yards Bank & Trust Company (the Bank) and S.Y. Bancorp Capital Trust II (the Trust). The Bank is wholly owned and is a state chartered bank. Because Bancorp has no operations of its own, its business and that of the Bank are essentially the same. The operations of the Bank are fully reflected in the consolidated financial statements of Bancorp. Accordingly, references to 'Bancorp' in this document may encompass both the holding company and the Bank. The Trust is a Delaware statutory trust that is a 100%-owned finance subsidiary of Bancorp. At December 31, 2012, the Bank had 25 full service banking locations in the Louisville MSA, three full service banking locations in the Indianapolis MSA, and three full service banking locations in the Cincinnati MSA. Bank holding companies and commercial banks are extensively regulated under both federal and state laws. Changes in applicable laws or regulations may have a material effect on the business and prospects of Bancorp and the Bank.

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